IMG VisitorsCare®

Short-term travel medical insurance for non-U.S. citizens: Low-cost, scheduled benefits plan that addresses the insurance needs of non-U.S. citizens who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.

IMG Insurance Plans are underwritten by Sirius International, a NON USA and Non-admitted carrier.
Disclaimer: Please note that Non-admitted carriers are usually referred to as “surplus” or “excess lines insurers”. Non-admitted carriers are not regulated and do not contribute to the State Guaranty Fund, which protects policyholders from the bankruptcy of its insurance carrier (Google).

Short-term travel medical coverage

Coverage for individuals and dependents

Maximum Limits from $25,000, $50,000 or $100,000

Deductible Options from $0, $50 or $100

Coverage for Emergency Medical Evacuations

Return of Mortal Remains

Incidental Home Country Coverage

Optional Pre-existing Condition Rider

Minimum purchase of 5 days renewable up to 24 months

Freedom to seek treatment with hospital or doctor of your choice

24 hour secure access from anywhere in the world to manage your account at any time

Who the plan is designed for:

Non-U.S. Citizens visiting the U.S. or traveling worldwide outside their home country

Parents and relatives visiting the U.S. or other international destinations

Recently arrived immigrants

You have enough to worry about when you’re traveling. Don’t let your medical coverage be an uncertainty. International Medical Group® (IMG®) has developed Visitors Care® to provide you and your family Coverage Without Boundaries® so you can spend more time enjoying your international experience, and less time worrying about your medical security.

Visitors Care offers a broad package of scheduled benefits for individuals traveling and/or temporarily residing outside their home country for a minimum of five days. There are nine separate options based on deductible levels and maximum limits. Simply select the option that best fits your needs.

Additionally, the Visitors Care plan offers excellent benefits and services to meet your global needs. You have access to international, multilingual customer service centers, claims administrators who process claims from all over the world, handling virtually every language and currency, and 24 hour access to highly qualified coordinators of emergency medical services and international treatment. You also may seek treatment with the hospital or doctor of your choice – you are not required to use a preferred provider network. However, if you need assistance, you have access to more than 17,000 providers through our International Provider AccessSM (IPA) when seeking treatment outside the U.S. When seeking treatment in the U.S., you may use the independent Preferred Provider Organization to assist you in locating providers.

All Non-US citizens or new immigrants visiting USA Are eligible to purchase this plan

Medical Benefits Plan A with $25,000 Maximum Benefit per Life of Plan
Usual, reasonable and customary charges. Subject to deductible and coinsurance where applicable.

Inpatient Treatment

$25,000 Policy Maximum

Hospital room and board

Up to $825 per day, 30 day maximum per period of coverage

Intensive Care

Up to an additional $400 per day, 8 day maximum per period of coverage

Surgical Treatment

Up to $2000 per surgical session

Physician Consult

Up to $350 per period of coverage

Pre-admission tests

Up to $750 per period of coverage

Private-duty nurse

Up to $400 per period of coverage

Physician Visits

Up to $40 per visit, 30 visits per period of coverage

Outpatient Treatment

Surgical Treatment

Up to $2,000 per surgical session

Surgical Facility Fee

Up to $750 per surgical session

Diagnostic x-ray & Lab

Up to $650 per period of coverage ($325 per procedure)

Hospital Emergency Room

Up to $200 per visit

Prescription Drugs

Up to $150 per period of coverage

Physicians visits

Up to $50 per visit, 10 visits per period of coverage

Miscellaneous Inpatient & Outpatient Treatment

Anesthetist

Up to $450 per surgical session

Assistant surgeon

Up to $450 per surgical session

Other Coverages

Local Ambulance

Up to $250 per period of coverage

Dental for accident to sound natural teeth

Up to $350 per period of coverage

Physical Therapy

Up to $25 per visit per day, 12 visits per period of coverage

Extended care facility

Up to $150 per day, 15 day maximum per period of coverage

IMG Visitors Care®

Exclusions and Limitations

Charges for certain services, treatments and/or conditions, among others, are excluded from coverage under the Patriot plans and include but are not limited to:

A Pre-existing Condition which is any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom, whether or not previously manifested or known, diagnosed, treated, or disclosed.

Treatment or surgeries which are elective, investigational, experimental or for research purposes.

War, political insurrection, protest, or any act thereof.

Immunizations and routine physical exams.

Treatment of Temporomandibular Joint or dental treatment, except as otherwise expressly provided for in the Policy Wording.

Venereal disease, AIDS virus, AIDS related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured Person who was HIV+ at time of enrollment into this insurance.

Charges, injuries and/or illnesses resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the Insured Person, including without limitation, engaging in an illegal occupation or act, but excluding minor traffic violations.

Injury and/or illness resulting or arising from being under the influence of alcohol or drugs; and injury or illness resulting from operating of any type of vehicle after consuming any alcohol or drugs.

Willful self-inflicted injury or illness.

Treatment required as a result of or arising from complications from a treatment or condition not covered under the Visitors Care plan.

Any services or supplies performed or provided by a relative of the Insured Person or provided at no cost to the Insured Person.

Treatment for mental and nervous disorders.

Organ or tissue transplants, and all related services.

Illness or injury where the trip to the host country is undertaken for treatment or advice for such illness or injury, except as expressly provided for in the certificate of insurance.

Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).

IMPORTANT NOTICE REGARDING PATIENT PROTECTION AND AFFORDABLE CARE ACT (PPACA): This insurance is not subject to, and does not provide benefits required by, PPACA. On January 1, 2014, PPACA will require U.S. citizens and certain U.S. residents to obtain PPACA compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on U.S. citizens and U.S. residents who are required to maintain PPACA compliant coverage but do not do so. Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including PPACA. Please note that it is solely your responsibility to determine if PPACA is applicable to you.